United Community Bank's offices will be closed Friday, April 19, 2019 in observance of Good Friday.

United Community Bank

Personal Banking Login

Business Banking Login

Residential Lot Loans



Finding the right lot is an important step when designing your dream home. We offer flexible repayment options and affordable rates that can work in almost any budget.


  • Rates as low as 6.00% with an APR* of 7.68%
  • Loans from $10,000 to $1,000,000
  • Up to 90% Loan to Value ✲
  • Roll your unpaid balance into permanent financing
  • No prepayment penalties
  • Short Term Interest Only or Long Term Principal and Interest options available

For more details, call one of our lending specialists at 866.505.8786. For a listing of lending specialists in your area, click here.

*Annual Percentage Rate (APR) accurate as of September 21, 2018. APR is based on highest tier credit score. APR will vary based on loan amount and finance charges. Example: A $200,000.00 fixed rate loan consists of 11 interest only payments of $538.19 and 1 balloon principal and interest payment of $200,538.19. Actual payment obligation could be greater than example provided, as payments do not include amounts for taxes and insurance premiums. Maximum loan size is $1,000,000.00, minimum loan size is $10,000.00. Subject to credit approval and program underwriting guidelines. Interest rates and program terms are subject to change without notice.

✲ Loan to value is calculated based on the subject property’s fair market value.